Samsung Pay®

Convenient and Secure Mobile Payment

Perfect Circle Credit Union has partnered with Samsung Pay*. This service is available to members with PCCU credit or debit cards.

How It Works

Samsung Pay works at 90 percent of payment terminals by using magnetic secure transmission (MST) and near-field communication (NFC) to transmit payment information. MST and NFC enable you to make secure transactions at virtually every card reader where you can swipe or tap your card.


How It Protects Your Information

To protect your information, Samsung Pay uses tokenization and fingerprint authorization. Tokenization generates a unique sequence of numbers (instead of transmitting your account information) every time you make a purchase. The “token” is encrypted and eliminates the need for merchants to store your card data on their networks.


What It Costs

The service is free* for our PCCU credit and debit cardholders.



Eligible Devices

Click to see list of eligible devices. Members can set up their PCCU credit or debit cards and start using Samsung Pay at authorized merchants.






Where can I use Samsung Pay?

Samsung Pay works almost anywhere you can swipe or tap your card. From the grocery store to the coffee shop to your favorite clothing stores, Samsung Pay is the only mobile payment service that works at the majority of U.S. retail locations. In situations where you have to dip your card or in places where you don’t swipe your card yourself (e.g., sit-down restaurants, hotels, auto shops), it’s better to use your actual card. Samsung Pay doesn’t currently work at gas station pumps with dip readers, but it will work at most gas station cashier card readers.

Which devices will support Samsung Pay?

Please visit for a full list of compatible devices.

Which cards can I add to Samsung Pay?

You can use your PCCU credit or debit cards with Samsung Pay.

How do I get Samsung Pay?

Compatible devices in supported countries will have Samsung Pay preloaded when purchased.

Will I receive a receipt after making a purchase with Samsung Pay?

When paying with Samsung Pay, you’ll receive and sign a receipt for your purchases, just as you would with a physical card. You won’t receive a separate physical or digital receipt from Samsung Pay.

How do I return a purchase if I used Samsung Pay to make a payment?

Returns made through Samsung Pay are handled the same way as with your physical card–according to the store’s policies. If you return an item paid for through Samsung Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.

How can I keep track of purchases I've made with Samsung Pay?

Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see all the Samsung Pay transactions made with that card. Additionally, a notification with your transaction details will be sent to your device after each Samsung Pay purchase. Note: notifications require an active internet connection.

When I add my PCCU card to Samsung Pay, it doesn't look like the card in my wallet. Why?

The card displayed in Samsung Pay won’t always exactly match your physical card. The key points to look for are:

  1. the card issuer
  2. the card network

How can I add my card?

Cards can be easily added to Samsung Pay by using your device’s camera to scan in your card’s information or by manually inputting the card information yourself.

How many cards can I add into Samsung Pay?

You can add up to 10 cards using Samsung Pay. Both credit cards and debit cards can be added.

How long will it take for my card to activate after adding it to Samsung Pay?

The average amount of time it takes before your card is fully active for use after being added and verified will vary slightly between issuers, but shouldn’t take more than a few minutes. If you encounter any issues, please contact your card issuer for assistance. Don’t try to enter the same card multiple times.

Where can I get more information on Samsung Pay?

More information is available at


Samsung® and Samsung Pay® are registered trademarks of Samsung Electronics Co., Ltd. Only compatible with select cards, carriers and Samsung devices; see the Samsung Pay support page for compatibility information.

Only compatible with select cards, carriers and Samsung devices; see the Samsung Pay Support page for compatibility information.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.